Open-World: добавить debt staleness risk proxy в бизнес-обзор

docs/ARCH/11 - architecture_turnaround/21 - current_status_canon_2026-05-01.md

@@ -28,8 +28,9 @@ If another document says `78%`, `87%`, `92%`, or `85%` for a module that is now
 - Completed active slice: `Business Overview Inventory Sales Velocity Proxy Bridge`: when explicit-period stock and товарные sales evidence are both present, business overview can include a bounded sales-to-stock proxy while full FIFO turnover/liquidity remains unclaimed.
 - Completed active slice: `Business Overview Inventory Staleness Risk Proxy Bridge`: when current-turn stock aging and sales-to-stock evidence are both present, business overview can include a bounded warehouse staleness-risk proxy while confirmed obsolete stock, reserves, write-offs, and liquidation value remain unclaimed.
 - Completed active slice: `Business Overview Gap-Specific Headline And Next-Step Precision`: broad company-analysis answers now name the remaining unchecked families from `missing_signal_families` instead of using stale generic profit/debt/VAT/warehouse wording after partial proxies are proven.
+- Completed active slice: `Business Overview Debt Staleness Risk Proxy Bridge`: when current-turn open-settlement concentration and contract-date age are both present, business overview can include a bounded debt staleness-risk proxy while contractual delinquency, credit risk, and due-date aging remain unclaimed.
 - Next active slice: continue breadth into exact company-wide accounting profit/margin, real due-date debt aging, confirmed inventory reserve/write-off/liquidation evidence, and broader unfamiliar 1C route families only where reviewed evidence routes exist.
-- Active module progress: `~84% (Open-World Bounded Autonomy Breadth)`.
+- Active module progress: `~86% (Open-World Bounded Autonomy Breadth)`.
 
 ## Reporting Rule
 
@@ -66,7 +67,7 @@ The project is not yet a universal arbitrary-1C agent.
 
 Remaining work belongs to the next breadth module:
 
-- extend `business_overview` beyond money-flow/activity, explicit-period VAT/tax, as-of-date debt position, open-settlement concentration, contract-date debt age, as-of-date inventory position, trading-margin proxy, sales-to-stock inventory proxy, and warehouse staleness-risk proxy into separately proven exact accounting profit/margin, due-date debt aging/overdue, and confirmed reserve/write-off/liquidation inventory evidence families;
+- extend `business_overview` beyond money-flow/activity, explicit-period VAT/tax, as-of-date debt position, open-settlement concentration, contract-date debt age, debt staleness-risk proxy, as-of-date inventory position, trading-margin proxy, sales-to-stock inventory proxy, and warehouse staleness-risk proxy into separately proven exact accounting profit/margin, due-date debt aging/overdue, and confirmed reserve/write-off/liquidation inventory evidence families;
 - broader dynamic schema traversal for unfamiliar 1C asks;
 - more primitive descriptors where live evidence proves a real gap;
 - more replay-backed domain packs that start from user business meaning, not from route convenience;

docs/ARCH/11 - architecture_turnaround/22 - open_world_bounded_autonomy_breadth_2026-05-01.md

@@ -276,7 +276,7 @@ Grow this bridge beyond the first confirmed signal bundle:
 
 - add separate evidence families for exact company-wide accounting profit/margin and due-date debt aging/overdue quality where reviewed closing-cost and due-date/payment-term routes exist;
 - extend inventory evidence beyond stock position, sales-to-stock proxy, and purchase-date staleness risk proxy into full FIFO turnover, confirmed obsolete-stock/liquidity, reserves, write-offs, or liquidation value only when reviewed evidence exists;
-- upgrade debt evidence from as-of-date position/open-settlement concentration/contract-date age into overdue aging only when reviewed due-date or payment-term aging evidence exists;
+- upgrade debt evidence beyond as-of-date position, open-settlement concentration, contract-date age, and debt staleness risk proxy into overdue aging only when reviewed due-date or payment-term aging evidence exists;
 - extend VAT/tax beyond explicit-period tax position only when the requested tax fact is provable and the period is explicit;
 - keep Post-F stale-scope and phase83 catalog-alignment canaries green while widening the route.
 
@@ -376,6 +376,8 @@ Business-overview inventory sales velocity proxy validation:
 - `npm.cmd test -- addressQueryRuntimeM23.test.ts`: passed `412`.
 - `npm.cmd run build`: passed.
 
+Graphify rebuild after Slice 15 code/doc sync: `6040 nodes`, `13158 edges`, `135 communities`.
+
 Graphify rebuild after Slice 12 code/doc sync: `6030 nodes`, `13136 edges`, `137 communities`.
 
 ## Slice 12 - Business Overview Inventory Sales Velocity Proxy Bridge
@@ -452,3 +454,29 @@ Local validation is accepted for this slice:
 - `npm.cmd run build`: passed.
 
 Graphify rebuild after Slice 14 code/doc sync: `6036 nodes`, `13149 edges`, `134 communities`.
+
+## Slice 15 - Business Overview Debt Staleness Risk Proxy Bridge
+
+This slice adds a bounded management risk signal for open settlements without crossing into contractual delinquency.
+
+It uses only already reviewed current-turn evidence:
+
+- open-contract balance rows on 60/62/76;
+- contract-date age extracted from those open-settlement rows;
+- concentration of the oldest large open contract inside gross open balances.
+
+Implemented now:
+
+- the pilot derives `debt_staleness_risk_proxy` only when open-settlement quality and contract-date age are both present in the current business-overview turn;
+- the proxy reports as-of date, gross open amount, oldest contract start date, max contract age, oldest large contract, its counterparty, amount, share of gross open balances, and a bounded risk band: `lower_visible_risk`, `watch`, `elevated`, or `high`;
+- the answer adapter surfaces this as `staleness risk proxy открытых расчетов`, explicitly not as confirmed overdue debt, contractual delinquency, credit risk, or due-date aging;
+- the headline narrows the remaining debt gap to `договорные сроки оплаты/due-date просрочка` when this proxy exists;
+- M23 stayed green, including open-contract, stale-contract, VAT-after-contract, and follow-up carryover tests.
+
+This is the debt-side counterpart to the inventory staleness proxy: it gives a useful analyst warning when old contract-date signals and concentration are visible, but it still leaves true due-date/payment-term aging as pending reviewed route work.
+
+Local validation is accepted for this slice:
+
+- `npm.cmd test -- assistantMcpDiscoveryPilotExecutor.test.ts assistantMcpDiscoveryAnswerAdapter.test.ts`: passed `66` with `1` skipped.
+- `npm.cmd test -- addressQueryRuntimeM23.test.ts`: passed `412`.
+- `npm.cmd run build`: passed.

docs/ARCH/11 - architecture_turnaround/README.md

@@ -63,6 +63,7 @@ Status canon for planning:
 - The current completed breadth slice is `Business Overview Inventory Sales Velocity Proxy Bridge`: when explicit-period stock and sales evidence are both present, company analysis can include a bounded sales-to-stock proxy while full FIFO/liquidity/obsolescence remains unclaimed.
 - The current completed breadth slice is `Business Overview Inventory Staleness Risk Proxy Bridge`: when current-turn stock aging and sales-to-stock evidence are both present, company analysis can include a bounded staleness-risk proxy while confirmed obsolete stock, reserves, write-offs, and liquidation value remain unclaimed.
 - The current completed breadth slice is `Business Overview Gap-Specific Headline And Next-Step Precision`: business-overview answers now name remaining unchecked families from `missing_signal_families` instead of falling back to stale generic gap wording.
+- The current completed breadth slice is `Business Overview Debt Staleness Risk Proxy Bridge`: when current-turn open-settlement concentration and contract-date age are both present, company analysis can include a bounded debt staleness-risk proxy while confirmed overdue debt, contractual delinquency, credit risk, and due-date aging remain unclaimed.
 - The next active breadth slice continues breadth into exact company-wide accounting profit/margin, real due-date debt aging, confirmed reserve/write-off/liquidation inventory evidence, and broader unfamiliar 1C route families without relaxing truth boundaries.
 - The short source of truth for status wording is [21 - current_status_canon_2026-05-01.md](./21%20-%20current_status_canon_2026-05-01.md).
 
@@ -128,11 +129,11 @@ Current honest status:
 - pre-multidomain readiness: `~90%`
 - bounded-autonomy foundation readiness: `~89%`
 - open-world bounded-autonomy readiness: `~87%`
-- active Open-World Bounded Autonomy Breadth progress: `~84%`, with business-overview evidence fusion, the reviewed `business_overview` catalog/data-need/planner route-fabric slice, the fresh multi-probe runtime bridge, the explicit-period VAT/tax fact-family bridge, the explicit-period debt-position bridge, the explicit-date inventory-position bridge, the open-settlement quality bridge accepted by live semantic replay, selected-item profitability bridged by local semantic/runtime regression tests, contract-date debt age bridged locally, analyst synthesis added to business-overview answer drafting, company-period trading margin proxy bridged locally, inventory sales-to-stock proxy bridged locally, inventory staleness-risk proxy bridged locally, and gap-specific answer shaping bridged locally; exact accounting profit/margin, true due-date debt aging/overdue, and confirmed reserve/write-off/liquidation inventory evidence are still pending
+- active Open-World Bounded Autonomy Breadth progress: `~86%`, with business-overview evidence fusion, the reviewed `business_overview` catalog/data-need/planner route-fabric slice, the fresh multi-probe runtime bridge, the explicit-period VAT/tax fact-family bridge, the explicit-period debt-position bridge, the explicit-date inventory-position bridge, the open-settlement quality bridge accepted by live semantic replay, selected-item profitability bridged by local semantic/runtime regression tests, contract-date debt age bridged locally, debt staleness-risk proxy bridged locally, analyst synthesis added to business-overview answer drafting, company-period trading margin proxy bridged locally, inventory sales-to-stock proxy bridged locally, inventory staleness-risk proxy bridged locally, and gap-specific answer shaping bridged locally; exact accounting profit/margin, true due-date debt aging/overdue, and confirmed reserve/write-off/liquidation inventory evidence are still pending
 - Post-F semantic integrity module progress: `~99%` operationally closed, with remaining risk now treated as next-slice discovery rather than an open blocker inside the closed slice
 - active inventory-stock breadth slice progress: `100%` for the declared scenario pack, not for arbitrary inventory questions
 - Planner Autonomy Consolidation progress: `100%` for the declared module, with catalog-fabric, value-flow arbitration, lifecycle bounded inference, broad-evaluation bridge, inventory catalog templates, inventory runtime-boundary honesty, exact inventory recipe bridging, unambiguous metadata-surface lane inference, catalog chain-template scoring, structured chain-match contract exposure, runtime/debug propagation, subject-aware bidirectional comparison arbitration, structured catalog-alignment verdicts, representative alignment regression guard, catalog-alignment reason-code telemetry, explicit `alignment_status` propagation, truth-harness/acceptance-matrix surfacing, soft divergence warning, `catalog_alignment_ok` acceptance invariant, step-level expected catalog-alignment assertions, phase66 and phase32 spec alignment expectations, AGENT source-catalog surfacing, generated phase83 mixed planner-brain replay spec, checked-source user-facing error sanitation, surface-grounded catalog promotion, and guarded live phase83 acceptance validated. Broader unfamiliar 1C asks are now next-module breadth work rather than an open blocker inside this declared slice
-- graph snapshot after latest rebuild: `6036 nodes`, `13149 edges`, `134 communities`
+- graph snapshot after latest rebuild: `6040 nodes`, `13158 edges`, `135 communities`
 - current regression-gate breakpoint:
   - the validated hot paths are no longer structurally broken;
   - flagship continuity collapse is no longer the primary risk;
@@ -183,6 +184,7 @@ Latest live proof now includes:
 - business-overview analyst synthesis accepted locally: answer-adapter slice passed `34/34` with `1` skipped; full MCP-discovery slice passed `305/305` with `9` skipped; build passed; graphify rebuilt to `6023 nodes`, `13112 edges`, `136 communities`; broad company-analysis drafts now include operating scale, customer concentration, risk contours, and bounded LLM-audit inference lines
 - business-overview inventory staleness-risk proxy accepted locally: targeted executor/answer-adapter slice passed `66/66` with `1` skipped; M23 route/runtime regression passed `412/412`; build passed; graphify rebuilt to `6034 nodes`, `13145 edges`, `136 communities`; the proxy combines stock aging and sales-to-stock ratio while confirmed obsolete stock, reserves, write-offs, and liquidation value remain unclaimed
 - business-overview gap-specific answer shaping accepted locally: answer-adapter slice passed `34/34` with `1` skipped; build passed; graphify rebuilt to `6036 nodes`, `13149 edges`, `134 communities`; headline and next-step wording now follow `missing_signal_families` instead of stale generic gap labels
+- business-overview debt staleness-risk proxy accepted locally: targeted executor/answer-adapter slice passed `66/66` with `1` skipped; M23 route/runtime regression passed `412/412`; build passed; graphify rebuilt to `6040 nodes`, `13158 edges`, `135 communities`; the proxy combines contract-date age and open-balance concentration while confirmed overdue debt, contractual delinquency, credit risk, and due-date aging remain unclaimed
 - inventory template lift accepted locally: catalog/data-need/planner/turn-input slice passed `139/139` with `6` skipped; full MCP-discovery slice passed `276/276` with `9` skipped; build passed; graphify stayed at `5912 nodes`, `12833 edges`, `138 communities`
 - inventory runtime-boundary hardening accepted locally: runtime-bridge/answer-adapter/pilot-executor slice passed `68/68` with `1` skipped; full MCP-discovery slice passed `277/277` with `9` skipped; build passed; graphify rebuilt to `5913 nodes`, `12837 edges`, `138 communities`
 - inventory exact-runtime bridge accepted locally: runtime-bridge/answer-adapter/pilot-executor slice passed `70/70` with `1` skipped; full MCP-discovery slice passed `279/279` with `9` skipped; build passed; graphify rebuilt to `5930 nodes`, `12884 edges`, `135 communities`